VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING
Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading par...
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| creator | Killian Patrick Malhotra Sandeep |
| description | Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device. |
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| fullrecord | <record><control><sourceid>epo_EVB</sourceid><recordid>TN_cdi_epo_espacenet_US2018089666A1</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><sourcerecordid>US2018089666A1</sourcerecordid><originalsourceid>FETCH-epo_espacenet_US2018089666A13</originalsourceid><addsrcrecordid>eNrjZNAN8wwKCXX0UQh39PFxDVFwdHb2D_ULUQj3DPFQcAwN8fd1DPF01vXxd3Tx9HPnYWBNS8wpTuWF0twMym6uIc4euqkF-fGpxQWJyal5qSXxocFGBoYWBhaWZmZmjobGxKkCAG0YJq8</addsrcrecordid><sourcetype>Open Access Repository</sourcetype><iscdi>true</iscdi><recordtype>patent</recordtype></control><display><type>patent</type><title>VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING</title><source>esp@cenet</source><creator>Killian Patrick ; Malhotra Sandeep</creator><creatorcontrib>Killian Patrick ; Malhotra Sandeep</creatorcontrib><description>Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.</description><language>eng</language><subject>CALCULATING ; COMPUTING ; COUNTING ; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ; PHYSICS ; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><creationdate>2018</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20180329&DB=EPODOC&CC=US&NR=2018089666A1$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,780,885,25564,76547</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20180329&DB=EPODOC&CC=US&NR=2018089666A1$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>Killian Patrick</creatorcontrib><creatorcontrib>Malhotra Sandeep</creatorcontrib><title>VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING</title><description>Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.</description><subject>CALCULATING</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2018</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNrjZNAN8wwKCXX0UQh39PFxDVFwdHb2D_ULUQj3DPFQcAwN8fd1DPF01vXxd3Tx9HPnYWBNS8wpTuWF0twMym6uIc4euqkF-fGpxQWJyal5qSXxocFGBoYWBhaWZmZmjobGxKkCAG0YJq8</recordid><startdate>20180329</startdate><enddate>20180329</enddate><creator>Killian Patrick</creator><creator>Malhotra Sandeep</creator><scope>EVB</scope></search><sort><creationdate>20180329</creationdate><title>VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING</title><author>Killian Patrick ; Malhotra Sandeep</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_US2018089666A13</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>eng</language><creationdate>2018</creationdate><topic>CALCULATING</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>Killian Patrick</creatorcontrib><creatorcontrib>Malhotra Sandeep</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>Killian Patrick</au><au>Malhotra Sandeep</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING</title><date>2018-03-29</date><risdate>2018</risdate><abstract>Methods and apparatus for operating a virtual wallet automatic loading system are described. In an embodiment, a virtual wallet server receives, from a consumer device, automatic-loading parameter data associated with funding a consumer's virtual wallet account, stores the automatic-loading parameter data, determines that at least one trigger condition associated with the consumer's virtual wallet account is met, and generates a standard authorization request message that includes an auto-load transaction amount and at least one payment account number (PAN) of a funding account. The process also includes the virtual wallet server routing the standard authorization message to a payment network authorization system, receiving an authorization response approved message, crediting the consumer's virtual wallet account and incrementing a stored value of the consumer's virtual wallet account, and transmitting an automatic-loading advisement message to the consumer device.</abstract><oa>free_for_read</oa></addata></record> |
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| subjects | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING |
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